Amarillo, TX · Charter 9971
NCUA · 4 branches
Q2 2026
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Net Worth / Assets
Year to date, annualized, through each quarter.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.64% | 0.23% | 0.89% | 0.64% | 0.69% | 0.48% | 0.71% | 0.20% | -44 bps | |
| Return on Equity | 5.61% | 1.88% | 7.21% | 5.05% | 5.42% | 3.82% | 5.65% | 1.55% | -349 bps | |
| Net Interest Margin | 2.83% | 2.95% | 3.11% | 3.18% | 3.28% | 3.30% | 3.36% | 3.48% | +30 bps | |
| Efficiency Ratio | 69.84% | 70.54% | 72.77% | 75.68% | 75.70% | 75.83% | 82.22% | 84.16% | +849 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -2.32% | -5.31% | -2.80% | 2.39% | 6.21% | 10.20% | 8.73% | 0.05% | -234 bps | |
| Loan Growth (YoY) | -6.45% | -5.89% | -7.21% | -2.52% | -5.00% | 4.00% | 13.51% | 8.59% | +1,111 bps | |
| Share Growth (YoY) | -1.06% | -4.37% | -1.62% | 1.24% | 5.48% | 9.03% | 7.96% | 0.08% | -116 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 1.13% | 0.60% | 0.56% | 0.61% | 0.80% | 0.54% | 0.59% | 0.48% | -14 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 11.38% | 12.39% | 12.30% | 12.64% | 12.76% | 12.55% | 12.58% | 12.90% | +26 bps | |
| Net Worth / Assets | 11.38% | 12.39% | 12.30% | 12.64% | 12.76% | 12.55% | 12.58% | 12.90% | +26 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 72.93% | 72.41% | 68.02% | 67.35% | 65.69% | 69.07% | 71.52% | 73.07% | +573 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |